What is High Risk Auto Insurance?

Let's be honest. Some cars and drivers today are simply more likely to get into accidents than others. And the fact that they're high risk is reflected in their car insurance premiums.

Your driving record will determine if you need high risk car insurance. For example, if you've been convicted of driving under the influence (DUI) of drugs or alcohol or have multiple violations such as speeding tickets, you may be considered a high risk driver, requiring special high risk auto insurance.

Recent history is the most important factor. Accidents or tickets in the last 12 months will count more than an incident from five years ago.